What is Aflac Incorporated's Shariah compliance score?

Aflac Incorporated's (AFL) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Aflac Incorporated pass AAOIFI screening?

Aflac Incorporated (AFL) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (AFL: 13.6%), (3) interest-bearing deposits below 30% (AFL: 10.1%), and (4) prohibited income below 5% (AFL: 7.2%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Aflac Incorporated stock?

Aflac Incorporated (AFL) has a non-permissible income ratio of 7.16%. Muslim investors should purify this percentage of any dividends received and capital gains realized from AFL shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Aflac Incorporated for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Aflac Incorporated (AFL) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about AFL's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

AFL: Is Aflac Incorporated Halal?

Aflac Incorporated

NYSEFinancial ServicesUS

$124.72

+1.36%

Market Cap: 63.5B

Compliance Status

Not Halal

Screened on Jul 16, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Aflac Incorporated (AFL) halal? Not Halal. Based on AAOIFI screening, Aflac Incorporated has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

13.6% of 30.0% limit

What this means for you

Most scholars advise not holding AFL

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Aflac Incorporated

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

Sector: Financial Services · Industry: Insurance - Life

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 16, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Insurance - Life

Compliance History

Not Halalnow
since Apr 2026
Halal
before we began tracking

Tracked since Apr 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

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+0.17%

SLVA+

iShares Silver Trust

$50.98

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Aflac Incorporated (AFL) halal to invest in?

Aflac Incorporated (AFL) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Aflac Incorporated get a F compliance rating?

Aflac Incorporated (AFL) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 13.6% (limit 30%); interest-bearing deposits of 10.1% (limit 30%); prohibited income of 7.16% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Aflac Incorporated's Shariah verdict?

Aflac Incorporated's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Aflac Incorporated re-screened for Shariah compliance?

Aflac Incorporated (AFL) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 16, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.